Battle Lake, MN · Cert 5090
FDIC · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Battle Lake, MN · Cert 5090
FDIC · 1 branch
Q4 2017
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.61% | 1.70% | 1.81% | 1.77% | 1.70% | +9 bps | |
| Return on Equity | 12.25% | 14.00% | 14.62% | 14.30% | 13.69% | +145 bps | |
| Net Interest Margin | 3.08% | 3.25% | 3.32% | 3.34% | 3.38% | +31 bps | |
| Efficiency Ratio | 56.16% | 55.51% | 53.42% | 54.00% | 55.89% | -27 bps | |
| Non-Interest Burden | 1.42% | 1.52% | 1.45% | 1.51% | 1.60% | +18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.70% | 5.97% | 0.94% | 3.13% | 1.53% | -117 bps | |
| Loan Growth (YoY) | 12.16% | 23.92% | 17.72% | 16.11% | 11.52% | -64 bps | |
| Deposit Growth (YoY) | 3.38% | 8.01% | 2.14% | 3.53% | 3.65% | +26 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.57% | 0.23% | 0.23% | 0.15% | +15 bps | |
| Net Charge-Offs / Loans | 0.43% | -0.02% | -0.01% | -0.01% | 0.06% | -37 bps | |
| Allowance / Loans | 0.98% | 1.00% | 1.01% | 1.07% | 1.04% | +6 bps | |
| Allowance Coverage of NPLs | n/a | 1.7x | 4.3x | 4.7x | 6.7x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.75% | 12.42% | 12.21% | 11.84% | 12.24% | +49 bps | |
| Total Risk-Based Capital | 20.26% | 20.64% | 19.60% | 19.38% | 19.80% | -46 bps | |
| Equity / Assets | 11.94% | 12.38% | 12.72% | 12.46% | 12.57% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.69% | 59.49% | 62.24% | 62.47% | 64.22% | +454 bps | |
| Liquid Assets / Assets | 0.13% | 0.12% | 0.12% | 0.12% | 0.17% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |